Originally Posted by shfo

Just based off retirement data from APC I have them upgrading at AA when they hit 50% seniority and upgrading onto the 737. I have them as a CA on the 777 the last 12 years of their career.

Based on that, AA will overcome AAY in 2031. Over the course of their career AA would pay out (with the 16% DC) 8,215,120 vs 4,800,000 at AAY. Now include that 1,478,000 you stashed away you are over 6,000,000 which is 2 million less than AA. This is also based on today's numbers which are likely to change and I believe AAY is way more likely to see significant gains than AA.